Credo Wealth Management
Independent Financial Advisor
Hello, and thank you for reading! I am a husband, father, Marine, independent financial advisor, business manager, and sports fan. Your personal goals and dreams are important to me. We offer a comprehensive approach to customize your financial plan. Our vision is to help invest in your legacy!
It is a great honor to enjoy the following highlights:
· 5-star rating by private clients
· No commissions or minimum investment
· Published by NASDAQ, Investopedia, and Business Insider
· Featured financial advisor by Visa, Inc.
· Historically better investment returns*
*based on data from ARC Private Client Indices (PCI)
Credo means “I believe”. We believe in supporting your heritage by empowering your legacy. We are your personal advocate with fee-only management and advice, Proverbs-based principles, proven strategies, leading technology, human expertise, and historically better performance than the average investor. Credo Wealth Management was born from a passion to help people manage their finances and enjoy a fulfilling life while creating a legacy.
Daniel Schutte founded our firm upon earning his Series 7, Series 66, and Health & Life licenses. After training to be a financial advisor with a large company, he chose to become an independent Registered Investment Advisor in order to serve clients without pressure from commissions, quotas, or restricted investment and insurance options. While Dan has been conducting market research and studying wealth management for over 15 years, he now enjoys providing this service to our valued clients with both competence and care.
Dan is currently managing budgets up to $10 million for Visa, Inc. and previously served as a Marine Corps Intelligence & Operations Officer where he managed over $50 million in assets with the First Marine Headquarters Group. As a resident of Denver, Colorado, Dan is married to his wife, Sarah, and enjoys spending time making memories as a family.
Start investing in your legacy today at: CredoWealthManagement.com
Master of Business Administration (MBA), American Military University
CONTENT: All written content displayed here is for information purposes only. Opinions expressed herein are solely those of Credo Wealth Management LLC unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. This communication may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other sources. REGISTRATION: Advisory services are offered through Credo Wealth Management LLC; an investment advisor firm domiciled in the state of Colorado. The presence of this communication on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Welcome to Credo
Invest in Your Legacy
Your Value: Human Insight with Robo Tech
Great start so far! The greatest improvement area I see from this information is the $35k sitting in savings. If your rate of return is lower than inflation, you are guaranteed to lose value every year. Historically, you would be much better off holding that in an individual taxable investment account for flexibility while diversifying risk with ETFs. Additionally, you may want to consider starting a Roth IRA for long-term, tax-free growth.
Paying off debt should be a high priority. However, nothing is as important as getting "free" money with no interest. If your employer offers matching on the 401(k), you will want to contribute enough to get the max match. After that, focus on paying off the loan, increasing your hourly wage, and starting a Roth IRA along with an individual taxable account with ETFs.
Great job recognizing the low returns of a checking account. For long-term and tax-free growth, you should start a Roth IRA. For shorter-term goals and more flexibility, you should start an individual taxable account. Both can have risk diversified with low-cost ETF funds: http://bit.ly/ETFAdvantages
Thank you for your service! As a Marine Captain, I can vouch for the 2018 updates to the TSP. Be sure to get the maximum match and select funds that are aggressive enough for long-term growth (e.g. C Fund). If your employer also provides a match, you can meet that as well. Remember, both of those can be rolled over into an IRA later. After that, it would be prudent to max out a Roth IRA for tax-free growth. Anything left over can go into an individual taxable account for emergencies and flexibility. These can be managed and risk-diversified with an ETF portfolio that includes index funds and an ability to set up dollar-cost average through monthly contributions. Learn more at: http://bit.ly/ETFAdvantages
When investing long-term for higher potential returns, stock funds historically have an excellent yield. A Roth IRA account can provide tax-free growth while an individual taxable account will allow flexible withdrawals. You can diversify risk with a properly allocated ETF portfolio.